No, but to provide anything less than the full 50 percent benefit, your spouse must consent in writing. Also note that your spouse and any other family members covered under your Federal Employees Health Benefits plan will lose that coverage upon your death unless they are otherwise eligible for coverage. In addition, they will lose the ability to initially enroll in the Federal Long-Term Care Insurance Program, unless otherwise eligible for coverage, although they could continue FLTCIP coverage if already enrolled.